You will find that your Medicare advantage plan is probably ending at the end of this year and you have to enroll a fresh. It is good for you to make decisions concerning your Medicare coverage. Before 2019 is here you will have to do some research on several Medicare advantage plans and be so certain on the plan that will meet all your needs.
There are prescription drug coverage and Medicare health coverage, you will have to think of these two coverage and pick one. The following are some tips that one should consider regarding these two coverages if your Medicare Advantage is ending this year.
At the end of the year you should receive a letter from your Medicare plan as earlier as October 2018 to inform you that your plan will have expired by January first 2019. Do not make the mistake of throwing or misplacing this letter you might need it in future to prove that you can join another Medicare plan.
The other thing is that you have to be so sure whether you want to stay to the original Medicare or move to other Medicare advantage plans. To make a clear decision you have to consider your upcoming and current health situation or needs, compare the costs and the rules given from your original Medicare and any other Medicare advantage plan that you think to pick. If your original Medicare is ending you have the opportunity to buy a medigap plan which help to pay for the gaps in the original Medicare.
Do not rush at the end of the year, making a decision before the end of the year id the right thing to do. This will enable you have both health and drug coverage by January 2019. In most states your right to join a medigap plan lasts until march and am sure you do not want to get late and start hurrying and worrying at the last minute.
Do you have a retiree coverage? Do not join the Medicare advantage plan if you have a retiree coverage before you consult your plan’s administrator. You may be planning to switch to the original Medicare. Do not risk by enrolling to the wrong plan that will make you lose your retiree coverage that has probably covered for your dependents.
For you to keep that retiree coverage you have to enroll to certain plans that will not bring any problems.